MCC 4900
Utilities – Electric, Gas, Water, and Sanitary
MCC Code
4900
Category
Utilities
Known Merchants
10+
About MCC 4900
Covers utility services, including electricity, gas, water and sanitation billed to households and businesses. Utility bill payments, including those made to electricity retailers and utility billing agents, commonly use this code. Cable, satellite and pay TV are coded separately under 4899.
Merchant Information
Electricity, gas and water providers, electricity retailers, and utility billing companies. Some card issuers exclude this code from rewards or cap earn rates on it; check your card's terms.
Best credit card for MCC 4900
Merchants Using MCC 4900
P = Primary MCC for this merchant|S = Secondary/Alternative MCC
Get full merchant data via our API. Seen a merchant use MCC 4900? Report it.
API Access
MCC 4900 is a four-digit Merchant Category Code used to classify businesses that provide utilities – electric, gas, water, and sanitary. This code falls under the Utilities category.
Credit card networks like Visa and Mastercard use MCC 4900 to:
- Categorize transactions at merchants classified as "Utilities – Electric, Gas, Water, and Sanitary"
- Determine rewards and cashback eligibility for cardholders
- Enable expense tracking and reporting for businesses
- Power fraud detection systems
Developers can access MCC 4900 data through our REST API. Use our merchant lookup feature to automatically categorize transactions or build financial tools that require merchant classification.
Credit card rewards programs use MCC codes to determine which purchases qualify for bonus categories. If your credit card offers enhanced rewards on utilities spending, transactions at merchants using MCC 4900 may qualify.
Common cards that may offer bonuses on utilities purchases include:
- Cards with rotating quarterly categories
- Category-specific cards (dining, travel, etc.)
- Premium cards with broad category bonuses
Always check your card's terms to verify which MCC codes qualify for bonus rewards.
What is MCC code 4900?
MCC 4900 is a four-digit Merchant Category Code that classifies businesses as "Utilities – Electric, Gas, Water, and Sanitary". This code falls under the Utilities category and is used by credit card networks to categorize transactions.
What types of businesses use MCC 4900?
Businesses classified under MCC 4900 typically include those that provide utilities – electric, gas, water, and sanitary. We have 10+ merchants in our database using this MCC code.
Does MCC 4900 qualify for credit card rewards?
Whether MCC 4900 qualifies for bonus rewards depends on your credit card's terms. Cards that offer bonuses on utilities spending may reward transactions at merchants using this code. Check your card's reward categories to confirm.
How can I look up MCC 4900 programmatically?
You can access MCC 4900 data through our REST API. Sign up for a free API key to query MCC codes, get merchant mappings, and integrate MCC data into your applications.